Bank Loan : बैंक खाताधारकों के लिए खुशखबरी..! सस्ते ब्याज दर पर “Bandhan Bank” दे रहा है ₹50000 तक लोन, ऐसे करे ऑनलाइन अप्लाई

Bandhan Bank Personal Loan – Complete Guide

Bandhan Bank offers personal loans ranging from ₹50,000 to ₹15,00,000, with flexible tenure and competitive interest rates. Below is a detailed overview of loan amounts, eligibility criteria, required documents, interest rates, tenure, and the application process (both online and offline).

Loan Amount

• Minimum: ₹50,000
• Maximum: ₹15,00,000 (₹5,00,000 – ₹10,00,000 commonly advertised, higher amounts also possible)

Eligibility

• Resident of India
• Age:
  • Business applicants: 23 – 60 years
  • Salaried applicants: 21 – 60 years
• Minimum 6 months of banking transactions (debit/credit) in the account
• For salaried individuals: at least 3 months of salary slips
• For self‑employed: profit & loss statement and 2 years of ITR/Income proof

Required Documents

• KYC documents (Aadhaar, PAN, Passport, Driving Licence, Voter ID)
• Passport‑size photograph with signature
• Address proof (any valid ID)
• For salaried: 3 months of salary slips
• For self‑employed: 2 years of ITR, profit & loss statement

Interest Rate & Charges

• Annual interest rate: 15.9 % – 30.75 %
• GST: 18 % on interest

Loan Tenure

• 12 months to 60 months, depending on the amount and borrower profile

How to Apply Online

1. Visit the official Bandhan Bank website.
2. Search for “Personal Loan” on the homepage.
3. Click the “Apply” option.
4. Enter the required personal and financial details.
5. Upload all mandatory documents.
6. Submit the application form.
7. Bank will verify details and contact you; approved amount will be transferred to your account.

How to Apply Offline

1. Visit the nearest Bandhan Bank branch.
2. Collect the personal loan application form.
3. Fill in all required information and attach the documents.
4. Submit the form to the bank officer.
5. The bank will review the application and, upon approval, transfer the loan amount to your account.

Why Choose Bandhan Bank Personal Loan?

• Quick disbursal after approval.
• Flexible loan amount up to ₹15 lakh.
• Varied tenure from 1 to 5 years.
• Competitive interest rates with clear GST component.

Frequently Asked Questions

• What is the minimum loan amount? ₹50,000.
• What is the maximum loan amount? Up to ₹15,00,000, depending on eligibility.
• What age should I be to apply? 21‑60 years for salaried, 23‑60 years for business owners.
• How long does the loan tenure last? Between 12 and 60 months.
• What interest rates are applicable? Between 15.9 % and 30.75 % per annum, plus 18 % GST.
• Do I need a credit score? While not explicitly mentioned, a good banking transaction history (6 months) is required.
• Can I apply without a salary slip? Self‑employed applicants can use profit & loss statements and ITRs instead.
• Is the loan disbursed directly to my bank account? Yes, after verification and approval.
• Are there any processing fees? The notification does not mention any processing fee.
• Where can I replace more information? Visit the official Bandhan Bank website or nearest branch.

Conclusion

Bandhan Bank’s personal loan offers a versatile financing solution for both salaried and self‑employed individuals, with loan amounts up to ₹15 lakh, tenure up to 5 years, and interest rates ranging from 15.9 % to 30.75 %. The straightforward documentation and both online and offline application channels make it convenient to obtain quick funds for personal needs.

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